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Provider:Guidestonewww.GuideStone.org1-888-98GUIDE

Table of Contents

Table of Contents
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2018 Medical Plan Options

 

Excerpt
UI Expand
titleHealth Saver 1500 (HSA)

$1,500/$3,000 deductible — An HSA Compatible plan where participants must first meet the full $1,500/$3,000 deductible (individual/family). After that any expenses are covered at 90 percent by the insurance plan and the participant covers the remaining 10% up to the out-of-pocket maximums of $3,000/$6,000 (single/family). This plan will include a monthly Reliant employer contribution to your personal Health Savings Account that includes funding from both non-MTD Reliant funds and from the MTD account for which you are responsible. See chart below.

Note
  • The family deductible applies to the entire family. Even if one member of the family meets the $1,500 claim amount, you still have to meet the entire $3,000 deductible before in-network claims are paid at 90 percent.

Other resources

UI Expand
titleHealth Saver 3000 (HSA)

$3,000/$6,000 deductible  An HSA Compatible plan where participants must first meet the full $3,000/$6,000 deductible (individual/family). After that expenses are covered at 90% by the insurance plan and the participant covers the remaining 10% up to the out-of-pocket maximums $6,000/$12,000 (single/family). This plan will include a monthly Reliant employer contribution to your personal Health Savings Account that includes funding from both non-MTD Reliant funds and from the MTD account for which you are responsible. See chart below.

 

Note
  • The family deductible applies to the entire family. Even if one member of the family meets the $3,000 claim amount, you still have to meet the entire $6,000 deductible before in-network claims are paid at 90 percent.

Other resources

UI Expand
titleHealth Saver 5000 (HSA)

$5,000/$10,000 deductible  An HSA Compatible plan where participants must first meet the full $5,000/$10,000 deductible (individual/family). After that any expenses are covered at 100% by the insurance plan. This plan will include a monthly Reliant employer contribution to your personal Health Savings Account that includes funding from both non-MTD Reliant funds and from the MTD account for which you are responsible. See chart below.

 

Note
  • The family deductible applies to the entire family. Even if one member of the family meets the $5,000 claim amount, you still have to meet the entire $10,000 deductible before in-network claims are paid at 100 percent for the family. Any individual has a limit $7,150 for maximum out-of-pocket expenses according to ACA guidelines. This individual maximum is honored if someone hits that maximum before the full family deductible is met.

Other resources

UI Expand
titleHealth Choice 2000

(This plan is frozen for 2017, meaning no new entrants will be allowed except for those who were enrolled in 2016 in the HC2000 Plan (before the October 14, 2016 Open Enrollment period began). The plan will be phased out completely in 2018.)

$2,000/$4,000 deductible  A higher-deductible, traditional plan where the deductible must first be met. Then there is a standard 80%/20% coinsurance up to the maximum out-of-pocket of $6,950/$11,000 (individual/family). This plan also has co-pays for doctors/specialists visits and prescriptions.

Other resources

 

 

Info

Guidestone has two resources that can help you choose between plans:

Guidestone also offers a telemedicine service included in each of these plans. See TeleMedicine for more information.

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2018 Monthly Premium Rates

Effective January 1, 20172018

$1,247.67

Plan type

Employee only
Employee +
spouse or child(ren)

Family
HS 1500 (HSA)*$457$485.7061$1,006068.9434$1,373456.1083
HS 3000 (HSA)*$381$404.3156$838$890.8803$1,143213.9368
HS 5000 (HSA)*$323$343.3709$711.41$970.11HC 2000$415.89$914.96$754.80$1,029.27

*HSA plans will also have an employer Employer HSA contribution Contribution in addition to the above premium.

Anchor
HSA plan options
HSA plan options

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2018 Employer HSA Contributions

There will be two funding sources for Reliant employer contributions to personal Health Savings Accounts. 

  • First, there will be a Base-Level portion of the employer contribution (to all personal HSA accounts) that will be funded from non-MTD funds.  So missionary MTD accounts will not be charged for the Base-Level portion of the contribution as in the past. 
  • Second, the remaining portion of the Reliant employer contribution will be charged to MTD accounts (as in the past).  Remember, these entire employer contributions (regardless of the source) can be used to help pay for your present and future qualified medical expenses.  And they are yours to keep, even if they build up in your HSA and you don't use them right away for your current medical claims. 

Contribution Levels for

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2018

HSA 1500
Plan 

Base-Level ER contribution
from non-MTD funds
Remaining ER contribution
charged to MTD accounts
Total Reliant employer
HSA contribution
Total charge to MTD account,
including premium
Employee$25$10$35$467$495.7061
Employee + Spouse
or child(ren) 
$50$25$75$1,031143.9434
Family$75$50$125$1,423581.1083

HSA 3000
Plan 

Base-Level ER contribution
from non-MTD funds
Remaining ER contribution
charged to MTD accounts
Total Reliant employer
HSA contribution
Total charge to MTD account,
including premium
Employee$25$25$50$406$454.3156
Employee + Spouse
or child(ren) 
$50$75$125$913$1,015.8803
Family$75$100$175$1,243388.9368

HSA 5000
Plan 

Base-Level ER contribution
from non-MTD funds
Remaining ER contribution
charged to MTD accounts
Total Reliant employer
HSA contribution
Total charge to MTD account,
including premium
Employee$25$25$50$348$393.3709
Employee + Spouse
or child(ren) 
$50$75$125$786$879.4180
Family$75$100$175$1,070204.1127

Enrollment Form

View file
nameMedical insurance - GuideStone Enrollment Form - current year.pdf
pageAll Forms
spaceFMHOME
height250

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